Navigating Healthcare in Greece as a Retiree: What You Need to Know

Navigating Healthcare in Greece as a Retiree: What You Need to Know

Moving abroad after retirement can give access to wonderful new opportunities, but it also means navigating essential practicalities, such as understanding the healthcare system. For individuals who choose to relocate to Greece after retirement, it's crucial to understand the available options and how to access them effectively.

Greece's healthcare system provides both public and private choices, each with distinct features, accessibility, and associated costs. Familiarizing yourself with these healthcare options not only ensures your physical well-being but also significantly impacts your comfort and peace of mind during your stay in Greece. 

Moreover, it is important to maintain the required healthcare coverage if you are in Greece on a visa, such as the Financially Independent Person or Golden Visas.

In this comprehensive guide, we'll cover everything you need to know about navigating healthcare in Greece as a foreign retiree.

Is Healthcare in Greece Good for Retirees?

Yes, healthcare in Greece is of overall of very high quality. Some interesting statistics: 

• High Life Expectancy: Greeks enjoy one of the highest life expectancies in the EU—79 years for men and 84 for women, reflecting strong overall public health outcomes.

• WHO Ranking: Greece was ranked 14th globally by the World Health Organization (WHO) for overall healthcare performance, highlighting its historically strong system.

• Physician Density: With 4.9 practicing physicians per 1,000 population, Greece ranks well above the EU average for doctor availability, supporting good access to medical care.

• Universal Access: The national health system (ESY) provides free or low-cost medical services to those eligible for it. We’ll explore more below.

The country operates a dual healthcare system, which provides retirees with the flexibility to choose between public healthcare (ESY) and private healthcare, depending on their needs and immigration status.

Emergency care in public hospitals is available to everyone, including tourists and non-residents.

Public Healthcare in Greece: Access and Coverage

Greece’s healthcare system is based on a public healthcare system called the National Health System (ESY). 

Coverage under public healthcare includes general practitioner (GP) visits, hospitalizations, and prescription medications, usually with a minimal co-payment. Prescription costs generally involve a co-payment of around 10-25% depending on medication type and treatment category. 

This system is primarily funded through taxes and contributions from employees and employers, and as such, to get access to it, you typically need to be employed, self-employed, or pay into the Greek social security system. This will give you access to AMKA (Greek social security number), which is required for most public healthcare services.

 For foreign retirees, the process may differ substantially.

1. EU retirees: EU retirees can access Greece's healthcare system using the E111 or S1 form, which ensures that healthcare costs are covered through the home country’s social security agreements with Greece. The UK retains access to this thanks to the Withdrawal Agreement.

Non-EU retirees:  Non-EU retirees don’t have automatic access to public healthcare unless they become permanent residents or citizens; it is possible to obtain a public health insurance policy to get partial access to care, but with important limitations.  

Access to public healthcare for non-EU retirees

It is possible for a non-EU retiree in Greece to obtain a basic public health insurance policy for around €150–€200 per year. This type of insurance is often required for residence permit applications and provides access to the Greek public healthcare system, but with important limitations:

Coverage:

• These basic insurance policies grant you access to public healthcare services (e.g., hospital care, general practitioners, and some specialists), but you will typically face co-payments or out-of-pocket costs for many services, medications, and specialist visits.

• The coverage is not as comprehensive as what employed or long-term residents who pay full social security contributions receive.

How it works:

• You pay a low annual premium to a Greek insurance provider.

• When you use public healthcare, you may need to pay additional fees for certain treatments, medications, or private doctors contracted with the public system.

• This insurance is sufficient for meeting Greek visa/residence requirements, but many expats and retirees also choose to purchase additional private insurance for broader coverage and faster access to care

Pros of public healthcare in Greece:

• Access to a wide network of general and specialized services for employed residents.

• Low co-payment costs for most medications and services for those who qualify.

• Emergency care is provided even without insurance (billing may follow).

Cons of public healthcare in Greece:

• Waiting times or queues can be long for non-urgent care.

• The availability of specialists may be limited, depending on your region.

• Paperwork and bureaucratic processes can be time-consuming.

• Not available for non-EU retirees, except for certain conditions. 

Private Healthcare in Greece: Pricier but More Reliable

Private healthcare is a more popular choice among expatriates for its shorter waiting times, wider choice of specialists, and higher likelihood of English-speaking staff. Private hospitals such as Iaso, Metropolitan, and Hygeia, especially in Athens and Thessaloniki, are renowned for modern facilities and quality care. 

Costs for private healthcare vary but typically range between €40 to €100 for a specialist consultation. Tests, scans, and treatments are charged separately, making it essential to clarify costs upfront. While private healthcare can complement public insurance, many expatriates choose comprehensive private insurance plans to cover these expenses fully.

One thing to be mindful of is age accessibility: many providers stop offering first coverage to those above 65 years old; as such, it’s key to start qualifying for that before if possible. It’s possible to do so even before moving.

Pros of private healthcare in Greece:

• Shorter wait times and better flexibility in scheduling appointments.

• Access to high-end clinics and specialists with modern equipment.

• Higher chance of English-speaking staff in private facilities.

Cons of private healthcare in Greece:

• Services can become expensive without adequate insurance.

• Not all private providers accept direct billing from foreign insurers.

• Medical costs must often be paid up front before seeking reimbursement.

• Private insurances are not always available after 65 years old.

How to Register for the National Health System (ESY)

Retirees who are eligible for public healthcare will need to register at the local Social Security office (EFKA). The registration process typically requires:

• Proof of identity (passport or residency card)

• Proof of health coverage (such as an S1 form)

• Proof of residency

Once registered, retirees can access public healthcare services, which include doctor visits, hospital care, and medication at subsidized rates.

How to Choose a GP

After registering for the ESY system, it’s essential to choose a General Practitioner (GP) for primary care. You can register with a GP through local health centers or online services. GPs play an important role in the healthcare system by providing referrals, basic care, and preventive healthcare services.

For retirees who are not fluent in Greek, it’s advisable to find a GP who speaks English or offers translation services. Many healthcare facilities in Greece, particularly those in tourist areas, are accustomed to dealing with non-Greek-speaking patients.

How Much Does Healthcare Cost for Retirees?

Healthcare costs in Greece are relatively affordable compared to many other European countries, especially when compared to North America. Here’s an overview of typical expenses:

Private healthcare costs can vary based on location and the healthcare provider, but overall, private care is still more affordable than in countries like the U.S. or the UK.

Where Do Retirees Prefer to Receive Care?

While both public and private healthcare are available, many expat retirees in Greece tend to prefer private clinics for everyday medical care due to the quicker access and often higher level of service. Public hospitals are still an excellent option for emergencies or more serious medical issues, particularly in large cities such as Athens, Thessaloniki, and Heraklion, where top-tier healthcare facilities are located.

On the Greek islands, healthcare facilities are generally accessible, but more serious cases may require medical evacuation to larger hospitals in urban centers. Therefore, it’s always wise to plan accordingly if you reside on one of the more remote islands. Only certain private insurances offer emergency transportation with helicopters.

Can You Use Your Home Country's Insurance?

Generally, no. Most international health insurance plans only offer temporary coverage or emergency care. There are a few exceptions, including:

• EU retirees using Form S1.

• UK retirees who are covered under the Withdrawal Agreement post-Brexit.

• Some global private insurance plans might offer comprehensive international coverage that includes Greece.

For long-term coverage, especially for those from outside the EU, securing Greek-specific private health insurance is often the most reliable and practical option.

What About Medications?

Greek pharmacies are abundant and often clearly marked with a green cross symbol. Pharmacists are highly trained and can offer basic medical advice and dispense prescription medications prescribed by doctors or private providers. 

Most medications require a prescription, although common items like painkillers and allergy medications can be purchased over the counter. Pharmacies operate standard hours, with designated locations open after-hours and weekends for emergencies. 

Prescription medications typically require a small co-payment, covered partially by your public insurance. 

Emergency Care and Hospitals

In Greece, emergency care is accessible via public hospitals or private clinics. The universal emergency number is 112, valid across the EU, but in Greece, calling 166 directly connects you to ambulance services. Public emergency departments provide immediate care regardless of insurance status, though you might receive a bill afterward if uninsured. Public hospital emergency rooms can be busy, leading to potential delays. 

Private emergency clinics offer quicker care and more personalized services, but this comes with significantly higher fees. Most private health insurance plans include emergency medical coverage, which can provide access to private emergency rooms and ambulance services. It’s essential to check if international retirees have coverage for emergencies when traveling or outside Greece.

Tips for Navigating the Greek Healthcare System

Effectively navigating healthcare in Greece requires thorough practical preparation. Since medical needs can arise unexpectedly, being prepared can greatly reduce stress and enhance your experience when seeking care. 

The healthcare landscape can initially feel overwhelming, especially if you're unfamiliar with the language or administrative procedures. However, with the right steps and precautions, you can navigate the system smoothly and benefit from it.

Here are comprehensive tips for effectively managing your healthcare experience in Greece.

1. Keep copies of essential documents: Always have copies of your passport, AMKA (Social Security Number), residency permits, and health insurance cards accessible. Digital copies stored safely on your phone or in cloud storage can save you significant hassle if originals are lost or forgotten.

2. Be prepared for language barriers: Although many healthcare professionals in major urban areas speak English, language barriers can still occur. Bringing along a Greek-speaking friend or translator is particularly advisable for appointments outside Athens or in smaller healthcare facilities. Translation apps can also be helpful, but having someone fluent provides added peace of mind and clarity.

3. Regularly use official resources: Utilize the EOPYY website and online resources regularly to find and verify registered healthcare providers, book appointments, and stay updated on policy changes or announcements. Acquainting yourself with these resources can streamline your interactions with the healthcare system.

4. Maintain emergency funds: Always keep emergency cash or an alternative reliable payment method available. In cases requiring immediate private healthcare services or medication purchases, having readily accessible funds ensures prompt treatment without financial stress.

Ultimately, staying proactive about your healthcare needs enables you to adapt to life in Greece quickly. These measures not only ensure you receive timely and efficient care but also significantly contribute to your overall well-being and comfort during your stay.

Final Thoughts

When you decide to relocate to Greece after retirement, the country offers an opportunity for a relaxed, enjoyable life with affordable healthcare options. Whether you choose public or private healthcare systems, you can enjoy peace of mind knowing you have complete access to the medical services they need to stay healthy during their retirement in Greece. Before making the move, take time to research the healthcare options available and make adequate arrangements to ensure a smooth transition into Greek life.

At Mitos Relocation Solutions, we don’t just help you move; we guide you every step of the way, ensuring your retirement in Greece is as smooth and enjoyable as possible. From navigating healthcare options to securing your dream home, we are dedicated to making your transition effortless.

Let us turn your dream retirement in Greece into a reality! Book A Free Call with Mitos Relocation now and take the first step toward a stress-free, sun-soaked life in Greece!

FAQs

1. Is healthcare free for retirees in Greece?

Healthcare in Greece is not entirely free for retirees, but it is affordable, especially within the public healthcare system (ESY). EU retirees can use the S1 form to access ESY, which provides free or low-cost services. Non-EU retirees must purchase private health insurance to gain residency and access the healthcare system. However, public healthcare for retirees covers most services, with costs being subsidized, especially for routine care like GP visits and hospital stays.

2. How can retirees from the U.S. access healthcare in Greece?

Retirees from the U.S. need to secure private health insurance before applying for residency in Greece. Public healthcare access may be granted after five years of legal residence if long-term residency status is achieved. Until then, retirees must rely on private insurance for their healthcare needs. Some global private insurance plans may also provide comprehensive coverage, so it’s advisable to research the options that suit your healthcare needs best.

3. Are private health insurance plans necessary for retirees in Greece?

Yes, private health insurance is mandatory for non-EU retirees applying for residency in Greece. Even EU nationals may prefer private insurance to gain quicker access to healthcare services and to avoid long waiting times in public hospitals. Private insurance provides additional benefits such as coverage for private clinics, access to English-speaking doctors, and faster care, which is particularly beneficial in larger cities like Athens and Thessaloniki.

4. Can retirees use their home country’s health insurance in Greece?

Generally, retirees cannot use their home country’s health insurance in Greece, especially if they are from outside the EU. The S1 form allows EU retirees to access public healthcare, and UK retirees may still benefit from the Withdrawal Agreement post-Brexit. Most non-EU nationals must purchase private health insurance. Some international insurance plans may offer coverage in Greece, but it’s important to confirm the extent of coverage before relying on them for long-term care.

5. How do retirees find English-speaking doctors in Greece?

Finding English-speaking doctors in Greece is relatively easy, especially in large cities and tourist areas. Private clinics and hospitals often employ doctors who speak English. Retirees can also use expat forums, embassy directories, or relocation services like Mitos Relocation to find reputable English-speaking healthcare providers. Larger healthcare networks in cities like Athens and Thessaloniki have international patients, making them more likely to offer services in English for a smoother experience.

6. What is the cost of healthcare for retirees in Greece?

Healthcare costs in Greece are generally affordable compared to those abroad in Northern Europe or North America. Public healthcare (ESY) is often free or has a minimal charge, with GP visits costing €5-€10 and specialist appointments ranging from €10 to €30. Private healthcare costs vary but are generally affordable. For example, private GP visits can range from €50 to €100. Medications are also cheaper than in the U.S. and can be subsidized under the public system.